> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/accounts/configure-accounts/create-new-accounts.md).

# Create New Accounts

After you’ve planned your account structure and configured your product, you’re ready to create your first customer account using XYB.

***

### Prerequisites

Make sure you’ve completed:

* Product Configuration: Your account product must exist (with `productId` and `version`).
* Entity Creation: The customer entity (owner of the account) must be available.
* Authentication: You have access to XYB APIs via secure credentials.

***

### Create Account via API

#### Endpoint

```
POST /api/v2.0/account
```

#### Sample Request Body

```json
{
  "reference": "user-123",
  "name": "John Smith's Account",
  "productId": "f5e6a3aa-xxxx-yyyy-zzzz-abcdefghijkl",
  "productVersion": "1.0",
  "currency": "EUR",
  "owner": {
    "type": "INDIVIDUAL",
    "affiliation": "PERSONAL",
    "reference": "entity-xyz"
  },
  "tags": ["PREMIUM", "EU"],
  "attributes": {
    "risk_level": "LOW",
    "kyc_status": "VERIFIED"
  },
  "coordinates": {
    "banking": {
      "iban": "DE89370400440532013000"
    }
  }
}
```

#### Sample Response

```json
{
  "id": "2f3a...fd91",
  "reference": "user-123",
  "name": "John Smith's Account",
  "status": "OPEN",
  "productUuid": "...",
  "wallets": [...],
  "owner": {...}
}
```

#### Error Codes

* `405` - Account already exists with this reference or coordinates
* `400` - Validation failure (missing or mismatched data)

Learn more about [Account Management APIs](/accounts/account-operations-apis.md).

***

***

### Creating Accounts via UI

If you want to allow **end-users** or **internal agents** to trigger account creation via your own frontend:

1. Build a form to collect:
   * Owner reference
   * Account name
   * Currency
   * Product ID + version
   * Optional tags or attributes
2. Post the form data to your backend
3. Call the `POST /account` endpoint using backend service logic
4. Show success, redirect, or display the new account data

***

### What Happens Behind the Scenes?

When you create an account:

* XYB validates product config and entity
* Creates account + default wallet(s)
* Links ledger account if configured
* Assigns banking coordinates (if provided)
* **Publishes Kafka event `account-created.`You can subscribe to this event or query the account at any time.** [**Learn more about the Accounts Kafka topics.**](/accounts/kafka-topics-quick-reference-guide.md)

###


---

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